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TransUnion TRU R3KFINANCIAL

Financial Services · Financial Data & Stock Exchanges · United States
https://www.transunion.com
Company Profile ↓
$77.65
-15.78% 1Y
Mkt Cap$14.88B
P/E20.49
P/B2.87
Div. Yield0.68%
52W High$93.11
52W Low$64.33
Book Value$25.28
EPS (TTM)$3.79

Company Overview

TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S. Markets and International. The U.S. Markets segment provides credit reporting, credit marketing, analytics and consulting, identity verification, and authentication and debt recovery solutions for financial services industry; and onboarding and transaction processing products, scoring and analytic products, marketing solutions, fraud and identity management solutions, and customer retention solutions, as well select market-specific solutions for insurance, technology, retail and e-commerce, telecommunications, media, tenant and employment screening, collections, and public sectors. It also offers credit reports, scores, and freezes credit monitoring, identity protection and resolution, and financial management for consumers, as well as helps businesses respond to data breach events through its own websites, as well as channels. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which helps consumers to manage their personal finances; credit bureaus; and consumer and business credit reporting, insurance and auto information solutions, and commercial credit information services. This segment serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels. The company was formerly known as TransUnion Holding Company, Inc. and changed its name to TransUnion in March 2015. TransUnion was founded in 1968 and is headquartered in Chicago, Illinois.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 15.6%, reflecting efficient use of shareholder capital.

Steady Revenue Expansion

Revenue has grown at a 11.6% CAGR over the past five years.

Healthy Margins

Maintains a net profit margin of 15.1%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $4.58B (+9.4% YoY); net profit $455.40M.
  • Trailing 12 Months Year-on-year growth — revenue +14.9%, earnings +32.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR 11.6%, profit CAGR 5.8%.

Growth & Price Performance

Compounded Sales Growth

5 Years:11.60%
1 Year:14.90%

Compounded Profit Growth

5 Years:5.82%
1 Year:32.10%

Stock Price Performance

1 Year:-15.78%
6 Months:+2.44%
3 Months:+13.02%
1 Month:-2.82%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 46% of range
$64.33 $93.11
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)40.77 · Neutral
Price Performance
1M-2.82%
3M+13.02%
6M+2.44%
1Y-15.78%
Valuation vs Sector

P/E of 20.49 is above the sector median of 12.89 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 11.6% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
20.49
Industry PE
12.89
Forward P/E
13.92
PEG Ratio
1.01
Book Value
$25.28
Price to Book
2.87
P/S
2.83
EV/EBITDA
12.35
Dividend Yield
0.68%

Growth (CAGR)

Revenue 5Y
11.60%
Profit 5Y
5.82%
Revenue (YoY)
14.90%
Earnings (YoY)
32.10%

Profitability & Returns

ROCE
8.68%
ROE
15.63%
ROA
4.94%
Profit Margin
15.08%
Op Margin
19.70%
Gross Margin
58.73%
EPS (Latest Qtr)
$0.74
EPS (TTM)
$3.79

Balance Sheet & Liquidity

Debt/Equity
1.13
Quick Ratio
1.65
Current Ratio
1.90
Debt
$5.66B
Total Assets
$12.19B
Current Assets
$2.18B
Working Capital
$861.90M

Ownership

Promoter Holding
0.44%
Chg in Prom Hold
0.03%
FII / Inst Holding
114.28%
Chg in FII Hold
0.03%

Financial Snapshot

Enterprise Value
$14.88B
Total Revenue (TTM)
$4.90B
EBITDA
$1.53B
Free Cash Flow
$808.63M
Operating Cash Flow
$1.10B
Shares Outstanding
191.60M
Gross Margin
58.73%
Payout Ratio
12.66%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 TRU TransUnion R3KFINANCIAL 77.65 20.49 $14.88B 0.68% 8.68% 15.63% 11.60% 5.82%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue --455.00M474.80M498.00M506.10M537.40M563.10M603.60M613.10M619.30M661.90M689.30M685.60M639.60M587.10M650.50M653.30M698.90M728.20M743.40M789.80M921.30M948.30M938.20M902.10M940.30M968.00M968.70M954.30M1.02B1.04B1.08B-1.10B1.14B1.17B1.17B1.25B1.31B
Cost of Revenue -----------------------------------469.90M480.30M476.10M519.50M544.60M
Gross Profit -----------------------------------669.80M689.20M695.20M726.20M765.00M
Operating Expenses -----------------------------------477.70M476.40M489.90M481.40M507.00M
Operating Income 95.80M89.30M101.10M115.50M126.60M121.50M125.20M134.40M122.10M130.70M122.10M159.70M171.30M154.70M120.60M106.00M144.90M128.80M163.60M200.40M169.70M114.00M134.40M178.90M169.50M143.50M145.20M158.40M-236.30M61.30M157.20M182.40M156.40M-254.40M192.10M212.80M205.30M244.80M258.00M
EBITDA -----------------------------------355.20M358.20M351.40M642.40M428.00M
Interest Expense -----------------------------------55.70M62.50M61.50M62.00M65.90M
Pretax Income -----------------------------------156.80M150.10M142.30M428.10M201.50M
Tax Provision -----------------------------------44.40M50.00M37.70M27.60M54.80M
Net Income 41.20M49.50M62.30M64.90M68.80M245.10M73.10M55.00M46.30M102.10M70.90M101.50M91.70M82.90M70.20M68.50M102.80M101.70M127.90M127.60M114.20M1.02B47.90M92.80M79.20M46.40M52.60M53.90M-318.80M6.10M65.10M85.00M68.00M-148.10M109.60M96.60M101.20M397.10M143.40M
Diluted EPS 0.220.270.330.340.361.290.380.290.240.530.370.530.480.430.370.360.530.530.660.660.595.270.250.480.410.240.270.28-1.650.030.330.440.35-0.750.560.490.522.040.74

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ----1.70B1.93B2.32B2.46B2.53B2.96B3.71B3.83B4.18B4.58B
Cost of Revenue ----------1.39B1.52B1.67B1.87B
Gross Profit ----------2.32B2.31B2.51B2.70B
Operating Expenses ----------1.70B1.70B1.78B1.84B
Operating Income 141.20M169.20M128.40M197.10M300.50M464.70M512.50M541.70M500.30M651.90M626.40M617.90M733.40M864.60M
EBITDA ----------1.13B667.30M1.20B1.45B
Interest Expense ----------230.90M288.20M265.20M235.80M
Pretax Income ----------383.00M-145.30M401.10M643.00M
Tax Provision ----------118.90M44.70M98.80M173.10M
Net Income -8.80M-35.10M-12.50M5.90M120.60M441.20M276.60M346.90M343.20M1.39B266.30M-206.20M284.40M455.40M
Diluted EPS --0.24-0.090.040.652.321.451.811.797.201.40-1.071.452.32

Balance Sheet (Annual)

Figures in USD.

Metric Feb 2012Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -4.38B4.49B4.67B4.44B4.78B5.12B7.04B7.11B7.31B-11.67B11.11B10.98B11.11B
Current Assets -----------1.45B1.48B1.80B2.02B
Cash & Equivalents 0154.30M111.20M77.90M133.20M182.20M115.80M186.70M273.60M492.70M-585.30M476.20M679.50M853.60M
Inventory ---------------
Receivables -----------602.20M723.00M798.90M905.00M
Total Liabilities -3.57B3.76B3.89B3.07B3.31B3.29B5.06B4.77B4.68B-7.40B7.00B6.67B6.57B
Current Liabilities -218.30M247.60M329.90M296.00M373.30M458.40M548.50M571.40M669.80M-905.50M1.00B1.06B1.15B
Long Term Debt -2.67B2.85B2.87B2.16B2.33B2.35B3.98B3.60B3.40B-5.56B5.25B5.08B4.91B
Total Debt -----------5.81B5.45B5.21B5.16B
Total Equity -702.80M627.90M587.10M1.23B1.36B1.73B1.89B2.25B2.54B-4.17B4.01B4.22B4.44B
Shares Outstanding -----------198.70M200.00M201.50M199.40M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 47.00M143.40M154.30M309.10M389.90M465.80M555.70M776.90M787.60M-297.20M645.40M832.50M987.60M
Investing Cash Flow -1.55B-367.00M-276.00M-197.10M-495.80M-480.80M-2.02B-203.90M-267.20M--723.90M-318.90M-307.40M-331.70M
Financing Cash Flow 1.66B187.30M91.90M-51.30M153.80M-51.70M1.54B-486.70M-296.90M--820.50M-438.80M-308.70M-494.60M
Capital Expenditure -48.80M-81.70M-155.20M-132.20M-124.00M-135.30M-180.10M-188.40M-205.60M--298.20M-310.70M-315.80M-326.00M
Free Cash Flow -1.80M61.70M-900.00K176.90M265.90M330.50M375.60M588.50M582.00M--1.00M334.70M516.70M661.60M
Net Change in Cash -----------1.25B-112.30M216.40M161.30M
Share Buybacks 700.00K3.40M200.00K300.00K700.00K133.50M00---00302.00M
Dividends Paid 373.80M0------------

Ratios (Annual)

Figures in %.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ----------62.7%60.4%60.0%59.1%
Operating Margin % ----17.6%24.0%22.1%22.0%19.8%22.0%16.9%16.1%17.5%18.9%
Net Margin % ----7.1%22.8%11.9%14.1%13.6%47.0%7.2%-5.4%6.8%10.0%
ROE % -1.3%-5.6%-2.1%0.5%8.8%25.5%14.6%15.4%13.5%-6.4%-5.1%6.7%10.3%
ROCE % 3.4%4.0%3.0%4.8%6.8%10.0%7.9%8.3%7.5%-5.8%6.1%7.4%8.7%

Shareholding Pattern

Insiders
0.44%
Institutions
114.28%
Public Float
114.79%

Top Institutional Holders

#Holder% HeldSharesValue
1 Dodge & Cox Inc. 12.63% 24.20M $1.75B
2 Blackrock Inc. 9.89% 18.96M $1.37B
3 Independent Franchise Partners, LLP 7.29% 13.98M $1.01B
4 FMR, LLC 6.11% 11.72M $848.58M
5 Massachusetts Financial Services Co. 5.57% 10.67M $772.68M
6 Vanguard Capital Management LLC 4.55% 8.72M $631.40M
7 Vanguard Portfolio Management LLC 4.28% 8.21M $594.56M
8 State Street Corporation 3.71% 7.12M $515.49M
9 T. Rowe Price Investment Management, Inc. 3.57% 6.84M $495.16M
10 Wellington Management Group, LLP 3.45% 6.60M $478.28M

Analyst View

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Latest News

Recent headlines for TRU

Google News Sun, 23 Aug 2026

TransUnion (TRU) Stock Looks Reasonable Despite A 27% Five Year Decline - finance.yahoo.com

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Google News Fri, 04 Sep 2026

$TRU stock is down 10% today. Here's what we see in our data. - Quiver Quantitative

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Google News Fri, 04 Sep 2026

TransUnion (TRU) Shares Climbed, So What Is Behind The Move? - simplywall.st

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Google News Sat, 05 Sep 2026

Why TransUnion (TRU) is a Top Momentum Stock for the Long-Term - Eastern Progress

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Google News hu, 03 Sep 2026

TransUnion (TRU) Stock Up 3.1% and Still Undervalued -- GF Score: 91/100 - gurufocus.com

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Google News Fri, 04 Sep 2026

TransUnion Stock Tumbles Friday: What's Driving the Action? - Benzinga

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TRU — Frequently Asked Questions

What is the current share price of TransUnion (TRU)?

As of 2026-09-19 21:16 PDT, TransUnion (TRU) trades at $77.65 on NYSE. Its 52-week range is $64.33 to $93.11.

What is the market capitalisation of TRU?

TransUnion (TRU) has a market capitalisation of $14.88B on NYSE.

What is the P/E ratio of TRU?

TRU trades at a trailing price-to-earnings (P/E) ratio of 20.49. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 2.87.

Does TRU pay a dividend?

TransUnion (TRU) currently offers a dividend yield of 0.68%.

What is the return on equity (ROE) of TRU?

TRU has a return on equity (ROE) of 15.63%. Its return on capital employed (ROCE) is 8.68%.

Is TRU a good stock to buy?

This page provides a data-driven analysis of TransUnion (TRU), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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